Health insurance in US: MIA’s contribution to submission to Congress

Dear  All,

With great excitement, we would like to share that Oklahoma Insurance Commissioner John D. Doak, in his recommendations to the US Congress – on future ways to replace the ACA (Affordable Care Act), has appealed for innovation in health insurance, and in this light, has strongly endorsed MIA’s experience and research by Prof. Dror on implementing health insurance in low income settings.

The recommendation letter has been sent to Majority leader McCarthy, President Donald Trump, Vice President Mike Pence and other important leaders and officials.

The letter includes an annex compiled by Prof. Dror summarizing the key learning of implementing Community Based Health Insurance, MIA’s implementation model and relevance of our model for the USA.

Please find attached the recommendation letter with this email. We look forward to your feedback and comments.

Click here to view  Letter to Majority Leader McCarthy

MIA’s Climate Resilience through Risk Transfer (RES-RISK) project received Skoch Order-of-merit’ Award

‘MIA’s Climate Resilience through Risk Transfer (RES-RISK) project received Skoch Order-of-merit’ Award. Vikram Patil Project Manager for RES-RISK, received the award on 16th December 2016.’


“Prof. David Dror receives best paper presentation award at the 20th Asian Actuarial Conference in Gurugram”

“Prof. David Dror receives best paper presentation award  at the 20th Asian Actuarial Conference in Gurugram. The paper presentation showcased MIA’s innovative insurance research on climate cost of cultivation”


Dr. David Dror Chairman & Managing Director of Microinsurance Academy has been conferred the ‘Distinguished Alumnus Award 2016’ by the Buffalo State University of New York.

The Alumni Association presents Dr. David Dror '66 Lecture and Award Presentation held Ciminelli Recital Hall in Rockwell Hall

The Alumni Association presents Dr. David Dror ’66 Lecture and Award Presentation held Ciminelli Recital Hall in Rockwell Hall

Dr. David Dror was selected to receive the Buffalo State College Association Distinguished Alumnus Award for 2016 for his humanitarian pursuits in innovating in the field of microinsurance for poor rural populations. The award reception was held during the 50th Reunion, on 22nd September 2016 at the Buffalo State College. A lecture by Dr. Dror on his journey – from studying in one of the world’s renowned universities to working for poor populations in India, preceded the reception. The university honors alumni who have reached a significant standing in their respective fields, have been dedicated to community service and support the college and its mission. Since 1965 Buffalo State College has honored over 90 alumni with the prestigious award. The Buffalo Alumni Association recognized Dr. Dror’s work as an international expert in microinsurance, having coined the term himself, and his field and research work, as the Chairman and Managing Director of Micro Insurance Academy (MIA). More details of the event can be found at:


The Alumni Association presents Dr. David Dror '66 Lecture and Award Presentation held Ciminelli Recital Hall in Rockwell Hall

The Alumni Association presents Dr. David Dror ’66 Lecture and Award Presentation held Ciminelli Recital Hall in Rockwell Hall

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Micro Insurance Academy’s research article on factors affecting voluntary uptake of CBHI schemes In LMICs published in PLOS ONE

New evidence has emerged from a systematic review and meta-analysis of the literature on Factors Affecting Voluntary Uptake Of Community-Based Health Insurance (CBHI) Schemes in Low- and Middle-Income Countries pointing that governments can help increasing the uptake of CBHI schemes even without proactively and financially supporting them, by creating a conducive regulatory and political environment for scaling. This can be part of a strategy to extend the outreach of social protection in LMICs. This is published by PLOS ONE, a peer-reviewed multidisciplinary open access journal.

The article is a summary of a larger systematic review and meta-analysis conducted by the Delhi-based Micro Insurance Academy (MIA), commissioned by the International Initiative on Impact Evaluation (3ie). The article contains the analysis of key factors influencing enrolment and renewal decisions for CBHI schemes, gathered from 54 relevant studies across Asia and Africa.

As efforts to close the protection gap are promoted by many governments and international bodies, the new information is a useful guide. For instance, the evidence suggests that enrolments in CBHI were positively associated with household income, education and age of the household head (HHH), household size, female-headed household, married HHH and chronic illness episodes in the household. Household size and trust in the scheme management were also positively associated with member renewal decisions. Knowledge and understanding of insurance and CBHI, quality of healthcare, trust in scheme management, and receipt of an insurance payout the previous year, are the enabling factors for enrollment.

Barriers to enrolment include: inappropriate benefits package, cultural beliefs, affordability, distance to healthcare facility, lack of adequate legal and policy frameworks to support CBHI, and stringent rules of some CBHI schemes.

Further, the study is the first and only following the rigorous research protocol that has been approved by EPPI center and 3ie that included both thematic synthesis of qualitative articles and meta-analysis of quantitative studies covering many more publications, thus obtaining stronger external validity of the findings and conclusions on this topic. It aims to offer policymakers, practitioners and the scientific community an updated summary of the CBHI literature in support of inclusion of this form of health insurance in succeeding the efforts toward Universal Health Coverage.

The article is available at

Nihar Jangle, Shin Research: Climate Cost of Cultivation

In partnership, the IIS and The Geneva Association have combined efforts to achieve a broad global reach for prominent practical insurance research. The joint research program, which is endowed by Kyobo Life Insurance Company, was established to promote practically oriented, applied research in the field of insurance and risk management, addressing topics which directly influence business operations. Under this program, research proposals are submitted from leading academics worldwide and selected and refereed by a panel of distinguished judges, represented by insurance experts and industry scholars.

The selected Shin Research Scholars present their research during the IIS Global Insurance Forum Annual Seminar which is attended by 500+ senior insurance leaders from around the globe. It is also published in The Geneva Papers and distributed by the IIS and The Geneva Association.


Dr. Nihar Jangle, Director Climate Change Program, Micro Insurance Academy (MIA) in New Delhi

AM Best an insurance rating agency conducted some interviews during the IIS conference

The selected Shin Research Scholars present their research during the IIS Global Insurance Forum Annual Seminar which is attended by 500+ senior insurance leaders from around the globe. It is also published in The Geneva Papers and distributed by the IIS and The Geneva Association.

To watch the video click on the link below

A blog published on Micro Insurance Network- “Microinsurance Business Processes: A handbook to reach those who need it most”

logoMicroinsurance Business Processes: A handbook to reach those who need it most.

Setting up a microinsurance scheme is a complex task. Insurers wanting to reach low income people or entire communities in the informal sector need to gain a good understanding of clients’ needs, overcome issues of trust, find ways to access data and calculate risks, simplify procedures, diversify products and make them more easily accessible, educate clients about insurance, enable clients to submit claims easily and appropriately, and ensure claims are being paid on time, to name a few. – to read more click here


Welcome to the MIA Blog!

Welcome to the MIA Blog! We’ve recently revamped our website, and this blog is just one of the many new features you’ll find. If you’re new to microinsurance, or just want to learn more about MIA’s approach, check out our pages Why Insurance? and Our Approach. You’ll find a short animated film, “Neesha’s Story”, explaining how a single illness can impact an entire household and how microinsurance can help. You can also follow a step-by-step guide detailing how MIA helps communities design, operate and govern their own microinsurance schemes. And don’t miss the personal stories from a few of the 300,000+ insured members supported by MIA. You can find that under Our Impact.

If you’d like to give your support or get involved, you can join our newsletter, make a donation, start a career with MIA or follow us right here on the blog. We’ll be posting regularly, and you’re sure to find something interesting. Our field staff will be sharing updates on their projects and stories from their experiences. We’ll be discussing innovations in microinsurance and sharing lessons from our work. Let us know if there’s anything you’d like to hear more about.

We look forward to sharing with you and we hope you’ll check back regularly!

The Story of Asha “Tai” and MIA’s Response to Climate Change Related Risks

For Asha ‘Tai’, a poor farmer in Shedgaon village, Srigonda block (nearly 200 kilometers from Pune city) Maharashtra, the only thought that reflects in her tired eyes when she looks up at the cloudless sky is a faint glimmer of hope that there will be some down pour of rain which will wash away the dry spell of drought prevailing for the past two years. The voices of many like Asha ‘tai’, reiterate the longing for the boon of rainfall which is a primal link for their lives, well- being and livelihood. Asha ‘tai’ and most members of her community, as is the scenario across the Indian sub-continent, are heavily dependent on rainfall and are hence caught up in the fluctuations and variability of the changing climatic conditions. Their day-to-day sustenance comes from livelihood practices such as agriculture and animal husbandry, both being climate sensitive occupations; amidst which they continue to strive as best as possible within the given circumstances. But in the absence of sound adaptive measures their efforts are able to carry them only so far, remaining susceptible and vulnerable just the same.

Keeping up pace with changing climatic conditions, the scientific community, development organizations, policy makers and field practitioners across the globe are working hard to derive effective and affordable climate change adaptive measures.

Within this context of seeking plausible measures for adaptation, microinsurance based solutions are gaining momentum globally and are being received well by communities.  Working on the same lines, the Micro Insurance Academy (MIA)  has come in collaboration with BASIX Training and Consulting Ltd, local partners NIDAN, VASFA and Sampada Trust;  to  launch its multi-year project titled, “Climate Resilience through Risk Transfer (RES-RISK)”aiming to enhance the resilience of vulnerable communities to climate change by developing pro-poor microinsurance solutions. There are two geographical settings which have been undertaken within the purview of this project – flood prone Vaishali district in Bihar and drought struck Ahmednagar district in Maharashtra.

The distinctness of the RES-RISK project is that, it has been participatory and inclusive of the interests of farmers and community members like Asha ‘tai’. To put it in a nutshell, the solutions proposed have from the very beginning been conceived, created, administered and will be managed by Asha ‘tai’ and others members from her community.

The project team is playing the role of a facilitator in providing timely guidance and assistance to the community members in developing their own Community-Based Insurance (CBI). CBI is an approach which provides the community with a platform to better understand their risks and how they can collectively work towards context-relevant solutions through microinsurance.

Unlike the insurance policies offered by private insurance companies which are often limiting and do not necessarily cater to context specific solutions; a major positive of MIA’s model is that it is strongly community-based and community-driven. This scheme will fill these gaps and offer scope to link-up with the formal sector.

Keeping in mind the core value of CBI, the RES-RISK project is designed to be participatory, composite and flexible approach where community members are the active player. The project has been following a trajectory, beginning with the basis of understanding the ground reality at the local level. Subsequently, with a baseline study for a vivid picture and familiarization of the local context followed by awareness campaigns and finally the formulation of CBI.

Formulation of CBI has taken extensive steps where community members have been active in decision making from the composition of the structure of CBI, to the benefits to be covered within the scheme, the administrative structure, how it will be managed, and how it will be processed.

Hence, after consultation with the community members four types of climate change related risks, i.e. human health, crop, livestock and natural catastrophes, were finalized to be covered under their own CBI. A significant innovation embraced in this project is to tackle risks as composite insurance packages, and customize those composites to the ‘need of the people’ as suggested by the community.

Written by: Geetika, Mamta, Vinita, Gajanan, and Bali from the “Climate Resilience through Risk Transfer” project at MIA